AVIOM Interview Questions, Process, and Tips

Q1. WHAT IS YOUR NAME AND WHAT ARE YOU STUDIED
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Q2. SINCE HOW MANY YEARS OF YOUR WORK EXPERIENCE AND TELL ME ABOUT YOUR WORK AND ROLE
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Q1. How can you assess income of a Customer
Ans. 
Assessing a customer's income involves analyzing their sources of income, employment status, financial statements, and credit history.
• Reviewing pay stubs or income tax returns

• Verifying employment status with employer

• Analyzing bank statements for regular deposits

• Checking credit reports for income information

• Considering additional sources of income such as rental properties or investments
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Who are eligible for customer loan, how to provide them

Q1. Who is eligible
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Q2. How to provide them loan
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Q3. Who have Best cibil score
Ans. 
Individuals with a high credit score have the best CIBIL score.
• Individuals who consistently make timely payments on their loans and credit cards.

• People who have a low credit utilization ratio.

• Those who have a long credit history with a mix of different types of credit accounts.

• Borrowers who have not defaulted on any loans or credit card payments.

• Customers who regularly check their credit report for errors and take step
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Q4. Who's busines is running well
Ans. 
Many businesses are running well, including tech companies, e-commerce platforms, and healthcare providers.
• Tech companies like Apple and Google are experiencing strong growth due to high demand for their products and services.

• E-commerce platforms such as Amazon and Shopify are thriving as more consumers shop online.

• Healthcare providers are seeing increased demand for medical services and products, especially during the
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Q5. Who have Best income
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Q1. Basic questions regarding your experience
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Q2. How to read property papers
Ans. 
Reading property papers involves understanding legal terms, verifying property details, and checking for any encumbrances.
• Start by checking the title deed to verify ownership details

• Review the property survey to confirm boundaries and dimensions

• Check for any existing mortgages, liens, or easements on the property

• Examine the property tax receipts to ensure they are up to date

• Consult a legal expert if you are unsure abou
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Q3. How to read Legal report?
Ans. 
Legal reports should be read carefully and thoroughly to understand the legal implications and recommendations.
• Start by reading the executive summary to get an overview of the report.

• Pay attention to the facts presented and the legal analysis provided.

• Look for any recommendations or conclusions made by the legal experts.

• Check for any references or citations to understand the basis of the legal opinions.

• Consider seeking...read more
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Q4. How to read technical report?
Ans. 
To read a technical report, one must first understand the purpose, structure, and key components of the report.
• Understand the purpose of the report and what information it aims to convey.

• Review the executive summary for a high-level overview of the report.

• Examine the methodology section to understand how the data was collected and analyzed.

• Analyze the results and findings to draw conclusions based on the data presented...read more
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Q1. Your responsibility to our company
Ans. 
My responsibility to the company is to assess loan applications, ensure compliance with regulations, and maintain positive relationships with clients.
• Assess loan applications to determine creditworthiness

• Ensure compliance with company policies and regulations

• Maintain positive relationships with clients by providing excellent customer service

• Monitor loan portfolio for any potential risks or issues
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Q1. Take us through your CV
Ans. 
I have over 10 years of experience in credit management, with a proven track record of reducing bad debt and improving cash flow.
• Started my career as a Credit Analyst at ABC Bank, where I analyzed credit data and financial statements to determine the creditworthiness of potential borrowers.

• Promoted to Credit Manager at XYZ Corporation, where I led a team of credit analysts and implemented strategies to reduce delinquen...read more
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Q2. How much portfolio you have built and how it is performing
Ans. 
I have built a portfolio of $50 million with a 95% performing rate.
• Built a portfolio of $50 million

• Portfolio is performing at a rate of 95%

• Regularly monitor and analyze portfolio performance
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Q3. How you access micro Home loans and Lap for no income proof segment? Is it easier or difficult compared to higher ticket size loans for formal income segment ?
Ans. 
Accessing micro Home loans and Lap for no income proof segment requires alternative methods compared to higher ticket size loans for formal income segment.
• Accessing micro Home loans and Lap for no income proof segment may involve assessing the applicant's assets and collateral instead of income proof.

• For higher ticket size loans for formal income segment, income proof and credit history are typically the main factors c...read more
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Q4. Your understanding of property papers in your state
Ans. 
Property papers in my state include title deed, sale deed, encumbrance certificate, and property tax receipts.
• Title deed is a legal document proving ownership of the property.

• Sale deed is a document showing the transfer of ownership from seller to buyer.

• Encumbrance certificate verifies that the property is free from any legal dues or liabilities.

• Property tax receipts show that all taxes related to the property are paid
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Q5. Your Strengths and Weakness
Ans. 
My strengths include strong analytical skills and attention to detail. My weakness is that I can be overly critical of my own work.
• Strengths: strong analytical skills

• Strengths: attention to detail

• Weakness: overly critical of my own work
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